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Payl8r Scheme


Affordable Finance



You can buy your aesthetic treatments now and pay later. This means you can spread the cost of your treatments, such as dermal fillers or anti-wrinkle injections, with our scheme in association with Payl8r. 


With the Payl8r scheme you can choose a flexible plan that will suit your needs. 



Who are Payl8r?


Payl8r is a finance company that provides credit to its members to purchase goods and services online and pay back through monthly instalments. For peace of mind, Payl8r are FCA approved and independent of pHskin Cosmetic Clinic. 



Who is it for?


As long as you are a UK citizen, and have an online bank account with a debit or credit card, you can apply to join the scheme.  People from a variety of backgrounds are considered, such as people in traditional employment, students, retired people, self-employed and those receiving benefits. 


All finance is subject on ability to repay the loan.



What are the costs?


A deposit of 10% is normally applied and interest rates are from 0% to 24%. 


To benefit from a 0% interest loan you need to repay in full within 30 days,



Example Loan


Based on current interest rates:


  • Borrow £200 over 12 months

  • Representative APR of 24%; annual interest rate of 24% fixed

  • Monthly payment: £20.66

  • Total charge for credit: £47.92

  • Total amount you repay: £247.92


You can also pay back early if your circumstances change.



Why take out a loan?


Normally people who join the scheme will be needing their treatment for special events, such as a wedding. At such times their budget can be stretched and having the flexibility with their finances can help spread the cost.  


Others may just simply be desiring a specific treatment which is slightly out of their budget range. Having financial flexibility means they can proceed with treatments earlier.  



How do I apply for a loan?


Once you and your practitioner have decided on a treatment plan, we will send you an email link where you can apply for a loan. The process can be done from your phone and normally takes just a few minutes. 



When can I have my treatment?


Once your loan is approved, your treatments can start.